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Does anyone out there have any viatical settlements? 14% return relatively risk-free sounds too good to be true. What's wrong?

(OK. Viatical settlements are where you buy a life-insurance policy from someone who is dying and needs money now instead os waiting until they decease. When they pass on you are the beneficiary. Sounds strange at first, but I see it as helping someone who needs money while I make a satisfactory return on my investment.)
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